The funding ratio shows the relationship between how much capital we have and the pension liabilities. The assets consist of the contributions we receive and the returns we make on our investments. The liabilities are the pensions we have to pay now and in the future. How high the liabilities are depends, among other things, on the interest rate and life expectancy.
There are two types of funding ratios
- Market interest funding ratio
The market interest funding ratio is calculated based on the 'market interest rate'. This is the interest rate that is currently applicable. Because the interest rate can have major consequences for the financial situation of Nedlloyd Pension Fund, it is good to keep an eye on the market interest rate as well. - Policy funding ratio
The policy funding ratio is the average of the last 12 monthly funding ratios as determined in accordance with De Nederlandsche Bank (DNB). This uses a certain 'actuarial interest rate' set by DNB. Because the policy funding ratio is an average, it does not rise and fall as quickly from month to month as the current market interest funding ratio. As a result, the policy funding ratio gives a more stable picture of the financial situation.
2024
| Policy funding ratio | Market interest funding ratio | |
| March | 120.1% | 119.4% |
| February | 120.2% | 119.4% |
| Januari | 120.4% | 118.4% |
2023
| Policy funding ratio | Market interest funding ratio | |
| December | 120,6% | 118,5% |
| November | 120.8% | 119.9% |
| October | 122.4% | 120.3% |
| September | 124.2% | 121.6% |
| August | 125.7% | 120.9% |
| July | 127.2% | 121.7% |
| June | 128.4% | 120.9% |
| May | 129.7% | 120.6% |
| April | 131.0% | 120.3% |
| March | 132.3% | 120.4% |
| February | 133.5% | 121.8% |
| January | 134.2% | 120.9% |
2022
| Policy funding ratio | Market interest funding ratio | |
| December | 134.9% | 120.5% |
| November | 135.6% | 139.6% |
| October | 134.7% | 140.9% |
| September | 133.7% | 139.8% |
| August | 132.7% | 139.3% |
| July | 131.7% | 135.4% |
| June | 130.9% | 136.5% |
| May | 130.1% | 135.7% |
| April | 129.2% | 135.5% |
| March | 128.3% | 132.7% |
| February | 127.5% | 130.0% |
| January | 126.7% | 128.1% |